American Express 2022 Investor Day

American Express 2022 Investor Day

MARCH 16, 2022

Agenda

1. Introduction

2. Growth Potential & Strategies

Capturing the SME Growth Opportunity Generational Relevance Fueling Consumer Demand Driving Growth Through Network Expansion Technology and Customer Service Powering Growth Efficiently

3. Financial Building Blocks of the Growth Plan

4. Q&A

2

Key Questions

Why are we confident in the growth aspirations we put forward? What are the competitive advantages of our business model? How are we building on those advantages to drive growth? What do we believe can enable us to deliver sustainable growth over the long term?

3

Why are we confident in our long-term growth aspirations?

Strategy Momentum Structural Shifts

2024+ Aspiration

Revenue Growth

>10%

EPS Growth

Mid-teens

4

What are the competitive advantages of our business model?

Brand Strength

Service Excellence

Membership Model

Lifestyle & BusinessCentric Assets

Attractive Customer Base at Scale

Card Members

Data

Analytics

Merchants 5

What are the competitive advantages of our business model?

Brand Strength

Service Excellence

Membership Model

Lifestyle & BusinessCentric Assets

Attractive Customer Base at Scale

Card Members

Data

Analytics

Merchants 6

What are the competitive advantages of our business model?

Brand Strength

Service Excellence

Membership Model

Lifestyle & BusinessCentric Assets

Attractive Customer Base at Scale

Card Members

Data

Analytics

Merchants 7

What are the competitive advantages of our business model?

Brand Strength

Service Excellence

Membership Model

Lifestyle & BusinessCentric Assets

Attractive Customer Base at Scale

Card Members

Data

Analytics

Merchants 8

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